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Jenn Smart

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10477 NE Black Bear , Kalkaska, MI 49646
$475,000
Est. Payment: $2,475.29/mo
4 Bed
3 Bath
2288 Sqft
Status: active with contingency | Days on site: 94
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VCR-C15903466 - VCR-C159091383,VCR-C159052275
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House Description

Nestled on the shores of Cub Lake with 100 feet of private frontage, this inviting Kalkaska retreat offers the perfect blend of waterfront living and year-round recreation. Enjoy peaceful lake views from multiple decks, relax on the covered front porch, or unwind in the bright four-season room overlooking the water. The home features an attached two-car garage plus an impressive 24x32 detached garage and workshop, providing plenty of room for vehicles, toys, hobbies, and storage. Inside, the finished lower level includes a second kitchen, creating an excellent space for entertaining guests, hosting extended family, or accommodating flexible living arrangements. Outdoor enthusiasts will love the easy access to all-sports Bear Lake, the Blue Bear Trail, local horse and hiking trails, and thousands of acres of state land. You'll have endless opportunities to boat, fish, hunt, hike, snowmobile, and explore everything Northern Michigan has to offer across all four seasons. Whether you’re searching for a full-time residence or a vacation getaway. This Cub Lake property delivers space, scenery, and adventure right outside your door.

Highlights

Listed by Chad Anderson , 231-645-0965 and Robert Murray , 231-392-8686 Coldwell Banker Schmidt-Kalkas , 231-258-8611. MiRealSource, Inc. mls logo

Property Type

Residential

Lot/Acreage
1.13

Year Built

1989

County

Kalkaska

Area

Out of Michigan (99999)

Neighborhood

Black Bear Sub

School District

Kalkaska Public Schools

Listing ID

80068625

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:4
  • Bathrooms:3
  • Full Bathrooms:3
Appliances:Dishwasher, Dryer, Range/Oven, Refrigerator, Washer
Above Ground Sq Ft:2288
Below Ground Sq Ft:572
Basement:Block,Full,Partially Finished,Walk Out
Other:
  • Additional:Cathedral/Vaulted Ceiling
Water:Private Well

Exterior Features

Lot Dimensions:100x425x153x402
Zoning:Residential
Others:
  • Additional:Deck, Porch
Sewer:Septic
Parking Features:Attached Garage,Gar Door Opener,Heated Garage,Garage
Principal Interest
$2,475
Taxes
$303

Home Price

$475,000

Loan Details

30 yrs
6.792%

Down Payment

20%
$95,000
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$2,475.29

Principal

Taxes

Principal Taxes HOA Total
Monthly $2,475.29 $302.81 $0.00 $2,778.10
Yearly $29,703.49 $3,633.75 $0.00 $33,337.24
Total $891,104.78 $109,012.50 $0.00 $1,000,117.28
Lender profile image
So-Crates Johnson
Dust, Wind, Dude
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Market insight data is pulled from the same city as the listing being viewed (Kalkaska, MI).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

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Data last updated: 2026-09-02T04:57:55.100Z

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